Burglary statistics reveal a strange fact. Each time the clocks go back one hour for Daylight Saving Time (DST), the number of break-ins increases by one-third*.
Most home insurance policies will cover you if your home is burgled, but there are limitations which could lead to your claim being rejected.
Some of the scenarios that may catch you out include:
Security failures
Most home insurers will offer lower premiums if your home is protected by a minimum level of security.
Generally, this would include deadlocks on external doors and locks on accessible windows. If you forget to lock your doors while popping to the shops, for example, your home insurer may reject your claim.
High-value items
High-value items, such as phones, laptops, and jewellery, are often sought after by thieves, but may not be automatically covered by your home insurer.
Depending on your home insurance policy, you may need to get additional cover to protect items above a certain value.
Long trips
Most home insurance policies specify that your home should not be left unoccupied for more than 30 consecutive days.
If a burglary takes place while your home is empty for a period longer than 30 days - due to an extended holiday for example - your claim may be rejected. Some insurers may allow you to put extra cover into place while you're on an extended trip but be sure to check with your provider first.
Get in touch today to find the most suitable home insurance for your needs.
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*Source: https://review42.com/uk/resources/uk-burglary-statistics
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